Overrated only on this forum. In real life, I've only ever seen one. There's a guy I sometimes pass on my commute that has a Karate Monkey. I'm intrigued by the cross-check and/or LHT myself, but I already own two nice commuters (a touring bike and a hybrid), so it's hard to justify getting another bike that isn't much different than what I already have.

7500 miles on my Cross Check in the last 18 months. Includes commuting through 2 snowy (for here) winters, over a dozen centuries, 2 doubles, and I've earned my ACP 200k and 300k medals on it. I'll be earning my 400k medal on it in August.
It was reasonable priced, is comfortable, and hasn't fallen apart underneath me. Yeah... totally over-rated.

Wow. You actually talk about bikes and not locks or lights. There is a God.

I'm pretty sure you are thinking about the guy with 'jack' in his name, not that guy.

Surly's aren't bad bikes at all, but I think the whole steel thing is overrated. In comparison to wheel, seat and seatpost flex, frame flex is so minimal I don't see how it could be noticeably measured at all. Plus you can just use smaller diameter aluminum tubing to make it flex more.